Gerry Horkan (Fianna Fail) | Oireachtas source

They are, but insurance payouts are based on claims and accidents. We can argue about the fraud aspect of it. Some people have one view of fraud and others have a more benign view of the level of fraud or do not believe it is as bad as others believe it to be. Ultimately, under the current insurance model, insurance companies pay out based on claims. If there are more claims, it is because there have been more accidents. If people were driving more carefully and making fewer claims, there would be fewer claims and the amounts of those claims would be smaller. It is a part of the model. It is the not the fault of the Minister of State, but it is unfortunate that the remit of his group does not appear to include road safety. I believe that if road safety was better than it was, insurance payouts would be lower.